Renters Insurance in Fresno

Cover your stuff in the Raisin Capital of the World.

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Renters Insurance in Fresno

Whether you were born a Fresnan or are a recent transplant, getting renters insurance in Fresno is a pro move to protect the things you care about.

Let’s get into the basics of renters insurance coverage in Fresno, and go through some scenarios of where it could really come in handy.

What does renters insurance cover in Fresno?

Let’s break down the components of what your policy covers and your coverage options. Here are the main types of coverage you’ll want to know about:

Personal Property

‘Personal property’ coverage makes sure your personal belongings are protected, whether you’re relaxing at your apartment or off traipsing across Europe. So if your living room furniture is ruined due to water damage from that burst pipe, or your phone is stolen while you’re taking a trip to Madrid, your renters insurance policy has your back.

Loss of Use

What about if disaster strikes? If you can’t stay at your home because of covered losses (like a fire or windstorm), your ‘loss of use’ coverage provides reimbursements for temporary housing and additional living expenses such as food, laundry, hotel parking, and more.

Liability coverage

If someone is injured in your apartment, or anyone on your policy causes damage to someone else’s property or stuff, your insurance company should have things like legal fees and property damage covered.

Personal liability coverage

Medical Protection

Your insurance provider covers medical expenses if your guests get injured at your place, or if you accidentally hurt people outside of your home as well. Note that your renters insurance policy does not cover medical payments if you or your roommates are injured—only non-residents and guests.

Is renters insurance required in Fresno?

Renters insurance is not required by law in Fresno, but your individual landlord might specifically require it. And if your lease specifies that you need renters insurance, well… that’s that.

Even if it isn’t required, safeguarding your stuff with renters insurance is still arguably a good idea. For example, if a burglar sneaks into your apartment while you’re traveling and steals your valuables, renters insurance can help cover the costs to replace your stolen items. And perils like burglary and theft in Fresno might be more common than you’d think. There’s an average of 1,068 burglaries and 2,856 thefts in Fresno per year for every 100,000 residents, according to usa.com*.

The good news is that it’s easy to sign up for a renters insurance policy with Lemonade, and you’ll thank yourself later if your stuff gets stolen or damaged! When signing up for California renters insurance, your landlord might request they be added as an ‘interested party’ on your policy. This just means they’ll be kept in the loop when you make any changes to your renters insurance coverage —or if you cancel your policy. It’s super easy to add them using the Lemonade app.

How much does renters insurance cost in Fresno?

The average monthly cost of renters insurance in Fresno is $19, according to ValuePenguin. That’s 10% more than the average cost in the state of California.

Did you know that the cost of Lemonade renters insurance across the US is around $14 a month, with policies starting as little as $5/month? It’s important to keep in mind that your policy price depends on a lot of factors—like where you live, your deductible, and the actual amount of coverage you need.

But the truth is, the best way to get a sense for how much you’ll pay for renters insurance is to build a quote. Click below to get started.

get your quote

What’s the right amount of renters insurance coverage to get in Fresno?

There’s no easy answer to that question, and it depends on how much stuff you have to cover, and what it’s worth. As we discussed above, your policy has a few main categories: Contents (your stuff); Loss of Use (temporary living expenses); and then personal liability and medical bills.

You’re able to set the coverage limits for these categories when you sign up for a Lemonade policy. Lower coverage limits might save you a few bucks on your monthly premiums—but they might also leave you with insufficient coverage when you have to make a claim. You’ll also need to figure out your deductible. It’s a balancing act, and one that requires you to think about your property and lifestyle. Take a few minutes to apply to see your renters insurance quote to get a sense of your insurance options.

Also, if you’ve got valuables that are especially pricey or important—things like engagement rings, fancy cameras, musical instruments, or artworks—you can add ‘scheduled personal property coverage’ for those items. At Lemonade we simply call it ‘Extra Coverage’—here’s a bunch more info about that.

Who needs renters insurance in Fresno?

All renters in Fresno should get renters insurance, since it offers vital financial protection at a very low cost.

Like we mentioned above, your landlord or property manager may require renters insurance, but there are so many scenarios where you’d be grateful to have your stuff covered in Fresno with renters insurance.

You’re a college student

Renters insurance provides college students who live off campus a safety net, ensuring you can focus on your studies without the worry of unexpected financial burdens from things like theft or accidents.

Picture this: You drive down to an off-campus coffee shop for some much needed brain fuel during exams cramming. You park your car and head inside, leaving your laptop and AirPods Max on the passenger seat. While you’re inside waiting for your matcha latte, a thief smashes your passenger window and steals your electronics.

Having car insurance that includes comprehensive coverage covers the broken car window, but you’d need renters insurance to get reimbursed for the things that were stolen from the car.

You’re engaged or married

It’s easy to cover your engagement ring, wedding ring, or just about any piece of jewelry with a renters insurance policy.

At Lemonade, $1,500 worth of jewelry is insured in the base plan for theft. In other words, the total cost of all your jewelry is covered only up to $1,500 if someone comes in to take your stuff. But you’ll likely need more coverage than that to fully protect your new bling.

You can also purchase Extra Coverage (also known as scheduling) to cover just about any damage to your engagement ring—except normal wear and tear—up to its full value. That means that if the ring gets lost, stolen, or damaged, you can get it replaced, without paying a deductible.

To include Extra Coverage for your engagement ring on a Lemonade Renters policy, you’ll just need to submit some simple documentation on the Lemonade app.

If you chip your sparkler on a V5 route at the bouldering gym, or it gets swiped from the gym locker while you’re in the shower, you’ll wish you’d said “I do” to Extra Coverage.

You’re a hobbyist

Renters insurance can help safeguard your stuff when you have a passion or hobby that includes expensive gear or valuable items—like a camera, musical instrument, or art.

Imagine you just bought a GoPro Hero 11 for a leisure scuba diving excursion in the Philippines. A standard renters insurance policy covers your camera against named perils like theft, fire, or vandalism.

But if a Parrot fish gets too friendly with the camera and bites the lenses of your GoPro, leaving it with the crack, you’ll need Extra Coverage to help with the costs to get your cracked camera repaired or replaced.

You’re a diehard cyclist

Bikes are more than just a vehicle, they’re a lifestyle. But have you considered how renters insurance can be a vital ally for your cycling passion?

Picture this: You cover your high-end road bike that you use for daily commutes and weekend adventures and store your bike in your apartment’s shared garage. One morning you head to the garage to get your wheels out for a leisure Saturday ride, only to discover it’s been stolen. Your renters insurance steps in to save the day, helping cover the cost to replace your stolen bike.

If your bike is stolen or vandalized while it’s in your home, garage, or even while you’re out and about, Lemonade renters insurance can help cover the cost of replacement or repair. Meaning you can get back to riding without the heavy burden of an unexpected financial hit.

But what about accidents while you’re cycling? If you accidentally collide with a pedestrian or damage someone’s property with your bike, your policy’s personal liability coverage could cover the other person’s resulting medical or repair bills.

Plus, when you add Extra Coverage for your road bike, your ride will be covered for just about anything except for wear and tear, without a deductible. But it’s best to check your policy for details of what is and isn’t covered.

You’re a pet parent

Your Renters policy’s personal liability coverage could help cover medical expenses of another dog or person related to a dog bite if your dog bites them, as well as additional damages. That’s one of the many reasons why pet parents should get renters insurance.

Renters insurance won’t cover your pets medical expenses though (that’s where pet insurance comes in).

How can I lower the cost of renters insurance in Fresno?

Here are a few ways that you can save on your renters insurance payments with Lemonade.

1. Bundle your Lemonade insurance policies

One of the easiest ways to save money on your renters insurance is to bundle it with our car or pet or life insurance.

bundle renters and pet

When you bundle your policies, you’ll be eligible for a Lemonade bundle discount. The more policies you bundle, the more you’ll save.

2. Install security devices

Your home doesn’t need to be ‘smart’ in order to install some devices that will help to lower renters insurance cost. Start with a standard fire alarm and burglar alarm, and you’ve already lowered your risks (for additional tips to secure your home, check out this post). And lowered risks equals lowered premiums. Which equals more lattes?

3. Increase your deductible

Another way to save on your renters insurance payments is to increase your deductible. Your deductible is the amount you’ll need to pay out-of-pocket before your insurance coverage kicks in.

By increasing your deductible, you can lower your monthly premium.

4. Adjust your coverage

Lastly, you can adjust your coverage to fit your needs. The more coverage you have, the higher your premium will be. If you’re looking to save money, consider reducing your coverage to only what you need. Just be sure that you have enough coverage to protect your belongings and liability, and to meet any requirements for coverage that may be laid out in your lease agreement.

Don’t forget: You can always update your coverage limits, whenever and wherever, on the Lemonade app with no brokers or paperwork involved.

get your quote

Paw-some spots for Fresno pet parents 

Sometimes, your furry friend deserves a day out and about just as much as you do! Check out these spots that are perfect for you and your pooch. 

  • Woodward Park: A spacious park with designated off-leash areas where dogs can run freely and enjoy the outdoors. It’s a great spot for a picnic with your furry friend.
  • Lazy Dog Restaurant & Bar: A pet-friendly restaurant offering your pooch their very own dog-friendly menu (alongside their human offerings). Dogs are welcome on the patio, and they provide complimentary bowls of water for your furry friend.
  • Kearney Park: While not exclusively a dog park, Kearney Park is pet-friendly and has expansive open areas for dogs to enjoy on a leash. The park’s historical grounds and shaded spots make it a pleasant place for a day out.
  • Dr. James W. Thornton Dog Park: This premier, members-only, dog park has it all. Offering an agility course, canine wading pool, doggie bags, toys, and water to drink! Each furry member needs to go through a temperament test, so you can let your pooch play in confidence. 

Getting to know Fresno

Want to learn more about Fresno? Let’s break it down. 

  • Fresno is the 25th most walkable large city in the US, with a Walk Score of 47. The most walkable neighborhoods in the city include The Cultural Arts District and Little Italy, both boasting a walk score above 70. 
  • It’s no surprise that California can get pretty hot. According to Climatecheck.com, Fresno has a high risk for drought and heat which is expected to increase in the coming years. The city also has a high wildfire risk, with 53% of buildings at risk of wildfires. 
  • Fresno is the closest major city to Yosemite National Park, making it a popular starting point for visitors heading to the park. This proximity offers residents and tourists easy access to some of the most stunning natural landscapes in the United States.
  • Fresno is home to the largest blossom trail in the U.S., a scenic route that showcases the region’s blooming orchards. Each spring, the trail bursts with vibrant colors as almond, peach, and plum trees come into bloom, attracting visitors from near and far to enjoy the stunning floral display.

Fresno beyond the guidebook

Ready to explore the Raisin City? Check out these hidden gems that are sure to delight. 

  • Forestiere Underground Gardens: This incredible subterranean complex was hand-dug by Baldassare Forestiere for over 40 years. The gardens feature a network of rooms, courtyards, and passageways adorned with fruit trees and grapevines, offering a unique glimpse into one man’s vision and dedication.
  • Shinzen Friendship Garden Inc.: Tucked away in Woodward Park, this Japanese garden offers a tranquil escape with its koi ponds, bonsai collection, and tea house. The garden is a symbol of friendship between Fresno and its sister city, Kochi, Japan.
  • Storyland: Located in Roeding Park, this whimsical amusement park offers storybook-themed attractions and classic rides. It’s a delightful spot for children and families to enjoy imaginative play and outdoor fun.
  • Simonian Farms: A family-owned farm and market that dates back to 1901, Simonian Farms offers fresh produce, unique gifts, and a nostalgic collection of vintage farm equipment and memorabilia. The on-site museum and country store provide a delightful, rustic shopping experience.

* Averages calculated from 2010 to 2014 stats.


A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.

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Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.